The year is drawing to a close and it’s the perfect time to start reflecting on the year. You need to be able to answer questions like:

  • What worked for you in 2018?
  • What did not work for you in 2018?
  • What do you need to start doing in 2019?
  • What do you need to stop doing in 2019?
  • How do you need to be in 2019 in order to attain your goals?

You probably think that it’s way too early to start planning for the next year. We all know though, that for the better part of December we get so caught up in the fanfare that comes with the holidays. We think that we do not have enough time to step out and plan adequately for the coming year.

Remember, if you fail to plan, you plan to fail - Prisca Motogwa Click To Tweet

Let’s go a step further by talking about money! Yes, money!

How many of us stop to reflect on how we are doing with respect to money matters?

  • Where are you financially?
  • Do you even know where you are at?
  • Are you happy with where you are at?
  • If you know where you at, did you get there by luck or was there a plan in place?
  • What do you want to achieve?
  • Are there some changes you need to make to your lifestyle to attain your financial goals?

Money is a complicated subject. It is an emotional subject. We all interact with it differently depending on our money personality.

If your money affairs are in disarray, it is highly unlikely that you will achieve your full potential - Prisca Motogwa Click To Tweet

According to Money Harmony – when it comes to money, you are either a hoarder, an avoider, a spender, an amasser or a money monk.

Hoarders view money as a form of security and work towards accumulating as much of it as possible. Avoiders, simply ignore money issues.

Spenders believe that they deserve every good thing and will have no qualms in buying things even when they cannot afford them.

Amassers like to have loads of money to either spend, save or invest.  Money monks view money as the root of all evil.

Which money personality are you? Find out your money personality here.

Bill Hybels says that self-awareness allows you to self-correct. When you know better, you ought to do better.

There is no ideal money personality. Each personality has its strengths and weaknesses. The most important thing is to identify which money personality you present, take advantage of the strengths that it brings and works on managing the weaknesses that it presents.

The starting point for all of us, regardless of our money personalities, is to prepare a financial plan for 2019 - Prisca Motogwa Click To Tweet

Research indicates that women are lagging behind men in financial literacy and that majority of women lack confidence with respect to money management.

Dear sister, it is very simple. If your money affairs are in disarray, it is highly unlikely that you will achieve your full potential. There will always be something dragging you back.

A study undertaken by Schwab in 2012 found that women who prepared a written financial plan were more confident with regard to money matters than those who did not.

Basically the starting point for all of us, regardless of our money personalities, is to prepare a financial plan for 2019.  Oh, and it is not enough just to put in place a financial plan, you need to live by that plan.

The Future is Female, but as females, we need to get control over our money.

After all, it’s all about the money!


 Now that you know your money personality, what are you going to do in order to attain your financial goals?

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